The Statute of Limitations on Credit Card Debt in New York

Send us Fan MailEpisode SummaryOne of the most powerful — and most misunderstood — defenses in credit card debt lawsuits is the statute of limitations. In this episode, attorney Efstathios Georgiou breaks down how long creditors and debt buyers actually have to sue you in New York, when that clock starts, how it can be restarted, and what happens if you don't raise the defense. If you've been sued on old debt, this episode could change the outcome of your case.What We Cover:New York's 3-year statute of limitations following the Court of Appeals rulingWhen the clock starts — and why the charge-off date and last payment date aren't always the sameHow partial payments and written acknowledgments under NY GOL § 17-101 can revive a time-barred claimWhen suing on stale debt becomes an FDCPA violation — and how consumers can fight backChoice-of-law issues under CPLR § 202 when a card agreement specifies Delaware or Virginia lawWhy this defense must be raised in your answer — and why showing up mattersKey Takeaways:The statute of limitations in New York for credit card debt is 3 years — not 6This defense does not erase the debt; it removes the creditor's right to enforce it through a lawsuitA successful defense means no judgment, no garnishment, no bank levy — for zero dollars paidNever make any payment on old debt without legal advice firstWere you sued on old credit card debt?Call Georgiou Law, PLLC for a free confidential review of your timeline: (917) 764-3072Georgiou Law, PLLC · 14 Wall Street, Suite 2094 · New York, NY 10005Attorney advertising. Prior results do not guarantee a similar outcome. This podcast is for informational purposes only and does not create an attorney-client relationship.